Senior/Staff Backend Engineer

Join the Tilt team At Tilt (formerly Empower), we see a side of people that traditional lenders miss. Our mobile-first products and machine learning-powered credit models look beyond outdated credit scores, using over 250 real-time financial signals to recognize real potential. Named among the next billion-dollar startups , we're not just changing how people access financial products — we're creating a new credit system that backs the working, whatever they're working toward. The Opportunity: Staff Backend Engineer - Cashalo As a Senior/Staff Backend Engineer at Cashalo, you’ll play a pivotal role in shaping the technical direction of our products and platform. You’ll think and operate like a Product Engineer , collaborating cross-functionally to deeply understand our customers, anticipate risks and trade-offs, and design secure, scalable solutions that power financial access for millions. You’ll lead large-scale, complex initiatives with full accountability for outcomes — from solution design to execution. As a multiplier, you’ll mentor engineers, lead incident responses, guide best practices, and set the standard for engineering excellence. You’ll also effectively leverage AI-powered development tools (like Cursor, Augment, or Factory) to boost productivity, code quality, and collaboration. This role is remote-first within Australia, New Zealand, or Singapore. You’ll work closely with your team virtually and travel is expected at least twice a year for global Tilt offsites, plus occasional Cashalo team offsites in the Philippines to connect, plan, and build for the future. How You’ll Make an Impact Lead the design, development, and deployment of secure, high-quality server-side applications that deliver real customer and business value. Own technical initiatives end-to-end: identify opportunities, shape solutions, manage execution, and report progress. Proactively collaborate with Product, Design, Data, and business stakeholders to drive optimal product direction, simplify designs, and balance trade-offs. Take full responsibility for high-impact projects, anticipating and resolving issues before they become blockers. Serve as a technical leader and multiplier: mentor engineers up to and including Senior level, lead incident responses, and provide thoughtful code and architecture reviews. Act as a lead technical interviewer and reviewer for technical content such as Tilt Engineering blog posts. Leverage AI-powered developer tools to improve your workflow, enhance code quality, and share best practices across the team. Monitor server performance and reliability, participate in on-call rotations as needed, and work continuously to minimize defects. Model our ownership culture by acting with initiative, accountability, and a problem-solving mindset in everything you do. Why You’re a Great Fit 10+ years of experience developing and deploying web APIs using .NET (C#) , with deep knowledge of backend architecture and scalable system design. Hands-on experience with ORMs (e.g., Entity Framework) and strong skills in constructing and optimizing RDMS queries. Proficiency with asynchronous programming models, messaging queues (e.g., AMQP), and cloud PaaS environments (e.g., Azure). Proven ability to lead large-scale, complex technical initiatives with full ownership of outcomes. A recognized mentor who builds up peers, shares knowledge generously, and sets a high bar for technical excellence. Strong problem-solving skills — you see around corners and facilitate solving complex technical challenges. Able to effectively use AI-powered development tools (e.g., Cursor, Augment, Factory) to boost productivity and collaboration. Thrive in a collaborative, fast-paced environment and enjoy challenging assumptions to build better solutions for customers. Our Interview Process Initial Recruiter Call: Let’s get to know each other and ensure there’s a great fit. Hiring Manager Interview: A deeper discussion of your experience and approach to solving challenges. Skills Panel: Meet Cashalo team members and demonstrate your technical and product-thinking approach through real-world scenarios. Leadership Conversation: A final chat with our leadership team to align on our mission, your goals, and how we can succeed together. Don’t meet every qualification? We care about potential over your past. If you're bringing ambition and drive to what we're building, we want to hear from you. What you'll get at Tilt Virtual-first teamwork: The Tilt team is collaborating across 14 countries, 12 time zones, and counting. You’ll get started with a WFH office reimbursement. Competitive pay: We're big on potential, and it's reflected in our competitive compensation packages and generous equity. Complete support: Find flexible health plans at every premium level, and substantial subsidies that stand up to global standards. Visibility is yours : You can count on direct exposure to our leadership team — we’re a team where good ideas travel quickly. Paid global onsites : Magic happens IRL: we gather twice yearly to reconnect over shared meals or kayaking adventures. (We’ve visited Vail, San Diego, and Mexico City, to name a few.) Impact is recognized : Growth opportunities follow your contributions, not rigid promotion timelines. The Tilt Way We're looking for people who chase excellence and impact. Those who stand behind their work, celebrating the wins and learning from the missteps equally. We foster an environment where every voice is valued and mutual respect is non-negotiable — brilliant jerks need not apply. We're in this together, working to expand access to fair credit and prove that people are incredible. When you join us, it's not just another day at the (virtual) office, you're helping millions of hardworking people reach better financial futures. You’re pushing ahead in your career? We can get behind that. Join us in building the credit system that people deserve. #J-18808-Ljbffr